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Home      Reply		Viewed: 315 -- Replies: 16
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Posted	INSURANCE
25-10-2007 09:40 by Fry Lover	Like most home contents insurance, mine doesnt cover anything to do with my fish tanks. There must be some insurance out there that does this. I am referring to breakages, damaged caused by a burgular or just bad luck with heaters and filters. I've got x4 set-up's and i would put a value of about £1000 each if i had to replace everything in the tank, including the tank itself. So thats about £4,000 in total (minimum) Any idea? You got anything useful Perky?
25-10-2007 12:55 by perky	Yeah ive got one for you its called...perkys pig sty insurance so if you pay me monthly ill do it for you...
25-10-2007 12:57 by telboy	what with the tanks youve busted lately,the monthly payments would be sky high matey
25-10-2007 13:39 by Fry Lover	Wont be long before Perky makes a joke about that heater i gave you. Can i insure my fish against White Spot?
25-10-2007 14:06 by Woz	i wish you could!
25-10-2007 14:20 by Fry Lover	I heard the premium for insuring an LFS guppy against any disease is £1000 per month
25-10-2007 14:59 by dave the wath	I found this out the hard way several years ago when 2 x 4ft trop tanks both burst one night. Our insurance comp sed cos it wasn't a water storage system we weren't insured, BUT we argued and eventually they paid out for a new carpet (well part of the necessary ackers), but nowt else. It's worth talking to insurance company's, but be prepared to argue your point.
25-10-2007 15:35 by Fry Lover	well i am going to find some insurance somewhere, i want to get it clear NOW and not have to argue the toss at the time, i would be willing to even pay something like £20 or £30 a month extra for some peice of mind. That kind of monthly premium should get me something. I mean i pay £17 a month home contents and it covers me for £7500 I am looking for cover FOR the tanks, stock and equipment and NOT just for the water damage. It might sound pessimistic, but i have finally got my tanks the way i want, and it's worth 4k or perhaps 5k really.
25-10-2007 15:45 by Woz	whered you say you live again lex, errmmmm 5k would do me nicely
25-10-2007 16:03 by Fry Lover
25-10-2007 16:57 by JR	It should be fairly easy to get cover for breakages, water damage ect, But you won't be able to get cover for your livestock. I know of a few the will cover everything else, I'll have a look for them in a bit
25-10-2007 17:08 by Fry Lover	please do JR, thanks
25-10-2007 18:04 by Linda Chenapa	Any decent insurance company should cover you for water damage if your tank decides to empty it's self all over your floor. We were lucky and ours also covered us for the internal filters that had run dry and also the light starters that were underneath and the tank it's self. Good idea to check with your insurance company if you are covered.
25-10-2007 19:14 by dave the wath	Aren't there some insurance company's that deal specifically with pets?
25-10-2007 19:28 by Fry Lover	yes Dave, but i find its just cats & dogs
26-10-2007 18:57 by Bethan	Fry Lover if you find an insurance company will you please let me know. Thank you Bethan
26-10-2007 19:59 by Fry Lover	Okies, update I spoke with my Home Contents Insurance provider (Tesco) I am currently paying £17 per month for standard contents insurance (i think it covers up to £7,500) They offer nothing to cover (a) the fish (b) damaged caused by water from the tank BUT..... with "accidental damage" i will be covered for the cost of the tank and equipment if an "accident" happens, i.e. not "wear and tear" I took them up on this The extra £££ per year is £72.45 which works out at £6.04 per month It also means every other item in my flat is covered for acciental damage, including my PC and lap-top etc..... so i cant argue with £6 per month!!!! I am still going to pursue insurance for damaged CAUSED by the tank and also insurance for the cost of my FISH. I am particularly keen to get the fish insured, i dont know if any of you have thought of this? This is the LFS cost price of the fish in each of my tanks (approx) Tank 1 £250 Tank 2 £200 Tank 3 £300 (Malawi) Tank 4 £400 (Planted Community) Plants in Tank 4 £200 So plants and fish in all x4 tanks...... approx £1350 They are sending my the policy in writing, i can cancel within 14 days if i am not happy. And in any event i can cancel with a months notice. I am now going to try a few other companies to see if i can cover myself for each tank COMPLETELY

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